Wrap-Up (OCIP / CCIP): What It Is and How It Works

A wrap-up is a consolidated insurance program — either owner-controlled (OCIP) or contractor-controlled (CCIP) — that places a single set of policies covering general liability and workers compensation for all enrolled contractors working on a specific construction project. The program is typically purchased by the project owner or general contractor rather than each trade enrolling separately. Who this is for: project owners, developers, and general contractors evaluating whether a wrap-up makes sense on their next major build.

TL;DR / Key Takeaways

• A wrap-up replaces the patchwork of individual contractor insurance with one master policy covering most on-site participants.
• OCIP = the project owner buys and controls the program; CCIP = the general contractor buys and controls it.
• Wrap-ups typically apply only to on-site operations; off-site work remains on each contractor's own policy.
• Most wrap-ups require a project value threshold — commonly $50 million or more in construction value — to be cost-effective, though some programs start at $10–25 million.
• Enrolled contractors must remove the covered project from their own GL and WC policies and receive a premium credit from their insurer.

What Is a Wrap-Up in Construction Insurance?

A wrap-up (also called a "consolidated insurance program" or CIP) is a project-specific insurance structure where one sponsor — the owner or GC — purchases a single set of policies that extend coverage to all enrolled contractors and subcontractors working on the project site. Rather than each of the 20, 50, or 200 trade contractors buying separate policies that overlap or conflict, every enrolled party is named under the same GL and WC tower.

What a standard wrap-up typically includes:

OCIP vs. CCIP: What Is the Difference?

The sponsor of the program determines the acronym — and the dynamics around control, savings, and risk.

Key distinction: In an OCIP, the owner has direct relationships with the carrier, sets the limits, and retains underwriting savings. In a CCIP, the GC runs the program — which gives the GC more control over enrollment and claims management but places the administrative burden on the GC rather than the owner.

What Does a Wrap-Up Cover — and What Does It Exclude?

Covered (on-site):

• Bodily injury and property damage arising out of on-site construction operations
• Workers compensation and employer's liability for enrolled workers injured on site
• Products and completed operations (often covered for an extended tail period after project completion, frequently 10 years on major programs)
• Cross-liability between enrolled parties (claims by one enrolled contractor against another are generally covered)

Excluded (typical exclusions — verify in the specific program documents):

• Any work performed off site (fabrication shops, supply yards, delivery drivers)
• Auto liability (commercial auto stays on each contractor's own policy)
• Professional liability / design errors (design-build firms carry separate professional liability)
• Contractor's own equipment (inland marine / equipment floater is separate)
• Employee benefits liability
• Pollution events off site

Important: Exclusions vary by program sponsor and carrier. Always review the wrap-up insurance manual and confirmed enrollment letter before reducing coverage on your own policies.

How to Enroll in a Wrap-Up as a Contractor: 6 Steps

1. Receive the wrap-up insurance manual. The sponsor distributes this document describing covered operations, limits, enrollment procedures, and administrative contacts. Read it in full before signing your subcontract.
2. Complete the enrollment application. Provide estimated payroll for on-site workers, scope of work, and your own insurance information. Accuracy matters — audits at project end reconcile actual vs. estimated payroll.
3. Submit certificates of insurance. Even though the wrap-up covers you on site, you must still demonstrate that your own off-site policies (auto, professional, off-site GL) are in force.
4. Obtain a credit from your own insurer. Your GL and WC carriers issue an endorsement excluding this project from your policy and calculating a return premium (the "wrap-up credit" or "credit for enrolled project"). The owner or GC may require you to pass this credit back through a deduct from your contract price.
5. Receive your enrollment confirmation. The wrap-up administrator sends a confirmation letter listing the covered policy numbers. Keep this on file — it is evidence of your coverage on site.
6. Report all on-site injuries and incidents immediately. Claims must be reported to the wrap-up program's designated carrier or TPA, not to your own insurer. Delayed reporting can jeopardize coverage.

How Are Wrap-Up Premiums Calculated?

Wrap-up premiums are audited on payroll — both GL and WC premiums are calculated on the actual wages of enrolled workers on the project site. At project inception, the sponsor estimates total enrolled payroll and pays a deposit premium. At completion (and sometimes annually on multi-year projects), the carrier audits actual payroll records and adjusts the premium up or down.

Illustrative cost range (not a guarantee):

Wrap-up sponsors typically target total program cost (including admin) at 1–3% of total construction cost, depending on project complexity, trade mix, and loss history.

Real-World Scenario: $150 Million Mixed-Use Development (Illustrative)

A developer in Texas is building a $150 million mixed-use tower in Dallas with 40+ subcontractors. They elect an OCIP.

• Estimated on-site enrolled payroll: $18 million across all trades
• GL program limits: $2M per occurrence / $4M aggregate, with $100M umbrella above
• WC limits: Statutory TX workers comp, $1M employer's liability
• Estimated combined GL + WC deposit premium: approximately $1.8–$2.7 million (at $10–$15 per $100 payroll)
• Completed operations tail: 10-year extended completed operations period at no additional cost (negotiated into program)
• Contractor wrap-up credits: Each enrolled sub submits a project credit to the owner, with the GC deducting credits from subcontract prices; the owner recaptures these to offset program cost.

At project completion, an audit reveals actual enrolled payroll of $20.5 million — $2.5 million over the estimate. The carrier bills an additional premium of roughly $250,000–$375,000 in a final audit adjustment.

This example illustrates typical OCIP economics on a large Texas project. Actual figures depend on loss history, carrier negotiations, and enrolled trades. [Morrow to confirm applicable carrier markets and current rate environment for your specific project.]

FAQ

What is a wrap-up insurance program? A wrap-up (or CIP) is a project-specific consolidated insurance program that provides GL and WC coverage for all enrolled contractors working on a single construction site under one set of policies purchased by the owner (OCIP) or GC (CCIP), rather than each contractor buying their own separate policies.

What is the difference between an OCIP and a CCIP? An OCIP is owner-controlled — the project owner or developer purchases and administers the program. A CCIP is contractor-controlled — the general contractor sponsors the program. The key difference is who controls enrollment, retains premium savings, and manages the carrier relationship.

Does a wrap-up replace all of my company's insurance? No. A wrap-up only covers your on-site operations at the specific enrolled project. You must maintain your own commercial auto, professional liability, and general liability and workers compensation for all other work your company performs. Your insurer will endorse your policy to exclude the wrap-up project and issue a premium credit.

What is a wrap-up credit? A wrap-up credit is the return premium your GL and WC insurers issue when they endorse your policies to exclude the enrolled project. Because the wrap-up now covers those exposures, your own policies cost less. Many wrap-up manuals require subcontractors to pass this credit back to the owner or GC as a deduction from the subcontract price.

Are completed operations covered under a wrap-up? Often yes, but the coverage period varies by program. Many larger programs include an extended completed operations tail of 5–10 years beyond substantial completion. Confirm this in the wrap-up insurance manual — if the program does not include a completed operations tail, you may need separate coverage after the project closes.

What happens if I don't enroll in the wrap-up but my subcontract requires it? Failing to enroll is typically a contract breach. You may be working uninsured for on-site GL and WC exposure (since the wrap-up hasn't added you), and you may also be paying for your own duplicate coverage unnecessarily. Always enroll promptly when required.

Who administers wrap-up claims? The wrap-up sponsor (owner or GC) typically appoints a third-party administrator (TPA) or designates the carrier's claims team to handle all program claims. All on-site incidents must be reported to the program's claims contact, not to your own insurer.

Do wrap-ups work for renovation or tenant improvement projects? Wrap-ups are most common on new construction. Renovation projects can use wrap-ups, but occupied-building exposures (e.g., bodily injury to existing tenants) add complexity, and some carriers restrict coverage or charge higher rates for occupied renovation work.

Why Morrow for Wrap-Up Placement and Enrollment

1. Independent access to multiple wrap-up markets. As an independent agency, Morrow is not captive to a single carrier. We approach multiple admitted and specialty markets — including those with appetite for OCIP, CCIP, and rolling owner-controlled programs — to structure the best program for your project size and trade mix.
2. Wrap-up credit analysis for subcontractors. If you receive a wrap-up enrollment packet, we help you calculate the correct credit to request from your GL and WC carriers, so you are not under-crediting (leaving money on the table) or over-crediting (creating a gap in your program).
3. Certificate and enrollment document management. We handle COI issuance for your off-site coverages during enrollment and track policy endorsements to ensure the project exclusion is properly reflected on your own policies.
4. Completed operations tail review. We review the wrap-up manual to confirm completed operations coverage length and advise whether supplemental coverage is needed after the program closes — a commonly overlooked gap.
5. Claims advocacy. If an on-site claim is disputed between the wrap-up carrier and your own insurer over whether the incident was "on-site" or "off-site," Morrow advocates on your behalf to resolve coverage positioning quickly.

Get a Quote or Enrollment Review

Whether you are a project owner evaluating whether an OCIP makes sense, a GC considering a CCIP, or a subcontractor trying to understand your enrollment obligations, Morrow can help.

Request a wrap-up consultation →

Trust strip: Morrow (Afthonea Inc, DBA Morrow) is an independent commercial P&C agency licensed in [Morrow to confirm states]. We place coverage with admitted and surplus lines carriers rated A- (Excellent) or better by AM Best. [Morrow to confirm specific carrier panel and license numbers.]

Related Resources

• Commercial Construction Insurance Overview
• General Liability Insurance for Contractors
• Workers Compensation Insurance: How It Works
• Builder's Risk Insurance Explained
• Additional Insured vs. Certificate Holder

Author: Written by the Morrow Commercial Insurance Editorial Team, reviewed by a licensed P&C broker with experience in large-project construction programs. Published: June 2026 Last updated: June 2026

Sources: - Insurance Information Institute (III) — Construction Insurance Resources - National Council on Compensation Insurance (NCCI) — Workers Compensation Rating and Rules - Associated General Contractors of America (AGC) — Wrap-Up Insurance Guidelines - U.S. General Services Administration (GSA) — OCIP Program Guidance (for public sector projects) - State construction licensing and insurance requirements vary; consult your state's Department of Insurance for current rules [verify state].